美国汽车行美股招股说明书(2026-04-10版)

AMERICA’S CAR-MART,INC. 937,487 Shares of Common Stock Underlying Warrants This prospectus supplement updates and supplements the prospectus, dated January16, 2026 (the “Prospectus”), which formsa part of our registration statement on FormS-1 (No.333-292641). This prospectus supplement is being filed to update andsupplement the information in the Prospectus with the information contained in our current report on Form8-K, filed with theSecurities and Exchange Commission on April7, 2026 (the “Current Report”). Accordingly, we have attached the Current Report tothis prospectus supplement. The Prospectus and this prospectus supplement relate to the resale from time to time by the selling stockholders named in the“Selling Stockholders” section of the Prospectus (the “Selling Stockholders”) of up to 937,487 shares of Common Stock, par value$0.01 per share, of America’s Car-Mart,Inc. issuable upon the exercise of the warrants (the “Warrant Shares”). The SellingStockholders may resell the Warrant Shares in the manner and on the terms described under “Plan of Distribution” in the Prospectus,including at fixed prices, market prices prevailing at the time of sale, at varying prices determined at the time of sale or at negotiatedprices. We cannot determine the price or prices at which the Warrant Shares may be resold. There can be no assurances that the SellingStockholders will sell, nor are the Selling Stockholders required to sell, any or all of the securities offered under the Prospectus, assupplemented by this prospectus supplement. We will not receive any proceeds from the sale or other disposition of the Warrant Shares by the Selling Stockholders. See thesections of the Prospectus titled “Use of Proceeds” and “Plan of Distribution” for additional information. This prospectus supplement updates and supplements the information in the Prospectus and is not complete without, and maynot be delivered or utilized except in combination with, the Prospectus. This prospectus supplement is qualified by reference to theProspectus except to the extent that the information in this prospectus supplement updates and supersedes the information containedtherein. Our Common Stock is listed on The Nasdaq Global Select Market (“Nasdaq”) under the symbol “CRMT.” On April8, 2026,the last reported sale price of our Common Stock was $12.93 per share. Investing in our Common Stock involves risks. You should review carefully the risks and uncertainties described in thesection titled “Risk Factors” beginning on page5 of the Prospectus. Neither the Securities and Exchange Commission nor any state or other securities commission has approved ordisapproved of these securities or passed upon the adequacy or accuracy of the Prospectus or this prospectus supplement. Anyrepresentation to the contrary is a criminal offense. The date of this prospectus supplement isApril10, 2026. UNITED STATESSECURITIES AND EXCHANGE COMMISSIONWashington, D.C. 20549 FORM8-K CURRENT REPORT Pursuant to Section13 or 15(d)of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported):April7, 2026 AMERICA’S CAR-MART,INC.(Exact name of registrant as specified in its charter) Texas0-1493963-0844612(State or other jurisdiction of incorporation)(Commission File Number)(IRS Employer Identification No.) 1805 North 2ndStreet, Suite401Rogers, Arkansas 72756(Address of principal executive offices, including zip code) (479) 464-9944(Registrant’s telephone number, including area code) Check the appropriate box below if the Form8-K filing is intended to simultaneously satisfy the filing obligation of the registrantunder any of the following provisions: Written communications pursuant to Rule425 under the Securities Act (17 CFR 230.425) Soliciting material pursuant to Rule14a-12 under the Exchange Act (17 CFR 240.14a-12) Pre-commencement communications pursuant to Rule14d-2(b)under the Exchange Act (17 CFR 240.14d-2(b)) Pre-commencement communications pursuant to Rule13e-4(c)under the Exchange Act (17 CFR 240.13e-4(c)) Securities registered pursuant to Section12(b)of the Act: Emerging growth company If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period forcomplying with any new or revised financial accounting standards provided pursuant to Section13(a)of the Exchange Act. Item 2.05 Costs Associated with Exit or Disposal Activities. On April7, 2026, the Board of Directors of America’s Car-Mart,Inc. (the “Company”) approved the closure of 42 of theCompany’s 136 dealership locations and a reduction of associated support staff. The Company’s capital structure strategy has centered on replacing an inefficient asset-based lending facility with a termloan, establishing a non-recourse revolving warehouse credit facility, and continuing to access the asset-backed securitization markets.While the Company successfully executed a $300 million senior secured term loan